Cost of Living in Springfield, MO: A Comprehensive Guide

Cost of Living in Springfield, MO: A Comprehensive Guide

Are you considering a move to Missouri? Before you pack your bags and head to the Show-Me State, it’s essential to understand the cost of living in Springfield, MO. This comprehensive guide will give you a detailed breakdown of the various expenses you can expect in this charming city. From housing costs to entertainment options, we’ve got you covered.

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Housing Costs

Housing is one of the most significant expenses for anyone living in Springfield, MO. Let’s take a closer look at the factors influencing housing costs in this city.

1. Renting vs. Buying
When it comes to housing in Springfield, you have two primary options: renting or buying. Renting is popular for those who want flexibility and want to avoid committing to a long-term mortgage. On the other hand, buying a home may be a more cost-effective choice in the long run if you plan to settle down in Springfield.

2. Average Rent Prices
The average monthly rent for a 1 bedroom apartment in Springfield is around $700 to $800, depending on the neighborhood. If you’re looking for a larger space, a three-bedroom apartment can cost you anywhere from $1,000 to $1,300 monthly. Be sure to explore different neighborhoods to find the one that best suits your budget and preferences.

3. Home Buying Costs
If you decide to buy a home in Springfield, you’ll need to consider various costs, including the down payment, property taxes, and homeowner’s insurance. The median home price in Springfield is approximately $150,000, making it an attractive option for first-time homebuyers.


Understanding utility costs is crucial for managing your monthly budget. Let’s break down the essential utilities and their average costs in Springfield.

1. Electricity
The average monthly electricity bill for a standard 900-square-foot apartment in Springfield is around $100. Remember that this cost can fluctuate depending on the season and your energy consumption habits.

2. Water and Sewer
Water and sewer bills in Springfield are relatively reasonable, with an average monthly cost of $40 to $50. This includes water usage, wastewater treatment, and maintenance of the city’s infrastructure.

3. Internet and Cable
You can expect to pay approximately $70 to $100 per month for high-speed internet and cable television. Be sure to compare different providers and packages to find the best deal for your needs.


Getting around Springfield is a breeze, thanks to its well-maintained roadways and public transportation options. Let’s explore the various aspects of transportation costs in the city.

1. Gasoline
In Springfield, you’ll typically find gasoline prices hovering at about $3 per gallon. If you use your car for your daily commute, it’s a good idea to consider including your monthly fuel costs in your budget.

2. Public Transportation
Springfield offers a public bus system known as “City Utilities Transit.” A monthly pass for unlimited rides costs approximately $40, making it an affordable option for those who prefer public transportation.

3. Car Ownership
If you own a car, remember to account for expenses like insurance, maintenance, and registration fees. These costs can add up to a few hundred dollars per month.


Feeding yourself and your family is a significant part of your monthly expenses. Let’s take a look at the cost of groceries in Springfield.

1. Grocery Stores
Springfield boasts a variety of grocery stores, from large chains to smaller local markets. A monthly grocery bill for a family of four ranges from $400 to $600, depending on your dietary preferences and shopping habits.

2. Dining Out
If you like treating yourself to a meal out every now and then, you can usually count on spending about $10 to $15 for a tasty meal at a budget-friendly restaurant. If you’re planning a lovely night out and fancy a three-course dinner for two at a mid-range restaurant, you can expect the bill to range from approximately $50 to $70.


One critical factor to consider before moving to a location is the cost of education for families with children. Springfield offers diverse educational opportunities, from preschools to universities.

Preschool and Daycare
If you have young children and you’re considering preschools or daycares in Springfield, you’ll often find monthly costs ranging from about $500 to $1,000. It’s good to keep this in mind as you plan your childcare options.

Elementary and Middle School
Public elementary and middle schools in Springfield are free, but you’ll need to budget for supplies and potential extracurricular activities. Private schools can cost between $5,000 to $12,000 annually, with some offering financial aid.

High School
Public high schools are free, but there may be fees for sports and extracurriculars. Private high schools can range from $8,000 to $15,000 per year, with financial aid opportunities available.

College and Higher Education
Springfield offers colleges like Missouri State University and Drury University. Tuition costs vary, with public universities averaging $7,000 to $9,000 for in-state students and private universities ranging from $25,000 to $35,000 annually. Look into scholarships and grants to ease the financial burden.


Access to quality healthcare is essential for any city’s residents. Springfield offers a range of healthcare options, including hospitals, clinics, and specialized facilities.

1. Health Insurance
The cost of health insurance can vary significantly depending on your coverage and provider. A family health insurance plan in Springfield can cost around $500 to $800 per month.

2. Medical Services
Depending on your insurance plan, routine medical visits and services typically have standard co-pays, ranging from $20 to $50. Be prepared for additional expenses if you require specialized care or treatments.


Now that we’ve covered the essentials, let’s talk about how you can enjoy your leisure time in Springfield without breaking the bank.

1. Outdoor Activities
Springfield offers many outdoor activities, including hiking, biking, and exploring its beautiful parks. Most of these activities are budget-friendly, with many parks offering free admission.

2. Cultural Attractions
Visit the Springfield Art Museum or explore the history of Route 66 at the Route 66 Springfield Visitor Center. Many cultural attractions in the city offer affordable admission fees or free days for residents.

3. Nightlife
If you’re looking for nightlife entertainment, Springfield has a vibrant music scene and numerous bars and clubs to choose from. Drinks typically cost between $4 to $7, making it easy to enjoy a night out without overspending.

Springfield, MO, offers a diverse range of living expenses catering to various budgets. Whether renting or buying a home, managing utilities, or exploring the city’s entertainment options, planning your budget wisely is crucial. Remember that the cost of living can vary based on your lifestyle and family size, so it’s essential to tailor your expenses to your unique circumstances.

Before making the move to Springfield, take the time to research specific neighborhoods and compare prices to find the best fit for your needs. By doing so, you can ensure a smooth transition to this welcoming city in the heart of the Midwest.

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